Microcredit in Morocco and rural world

Rural World in Morocco

As a new microcredit to fight poverty depend on the proximity of the poor, especially in rural areas, which is in dire need for this type of financial services, as it relates to the preparation of structures and infrastructure (connectivity of drinking water, electricity, housing, ...) that been deprived for decades, by the marginalization suffered and still suffered by the public authorities at the expense of the development of urban centers, small loans have done so - if we want to say - re-sort of balance and aims to correct the imbalances and inequalities, that exist between rural areas and urban areas, thereby reducing the phenomenon of rural migration, and rural development and rural areas and contribute to human development in general, through the empowerment of the poor from access to financial services.
Loans micro contribute effectively in the fight against poverty in its various manifestations, in the case of the optimal investment of the loan granted to an income-generating activity, which will benefit not only the owner of the project, but on the family as a whole to improve the standard of living and provide education for children and ensure its sustainability, and improving access to health services , and other services ...

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Rural women and microcredit

Rural woman in Morocco

Are women vulnerable group of the population, suffer most from poverty and social exclusion, economic, and women are the victim of a great inequality in utilization of various services (education, health ...) Micro Loans, originally, was addressed primarily to serve women.

Women in rural areas bear the burden of a large part of the tasks and works in agriculture and traditional industry and the White, but that work is unpaid, and studies show that microfinance can contribute to the emancipation of women from economic dependence and play a fundamental role in the autonomy of women, the fact that micro-credit to grant women the self-confidence and helps to strengthen their independence, when women benefit from a small loan Ferencvaros, the project, many aspects of the parallel turn grow (food, education, health ...) and the project is not only alone.

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The impact of microcredit

Rural woman in Africa

Be microcredit impact and a positive impact on the beneficiaries, both in the short term, medium and long term, including:

- Install action : the first is a feature of microcredit, the poor characteristics of the main Sun fluctuating income and minimization, where it is not fixed and unchanging, and this is about the instability of cost-effectiveness of their project or work, by a number of variables long - medium term (economic crisis, for example ... ) or seasonal (such as drought for agricultural activity ...), making them vulnerable to external shocks, but it is through microcredit directed to the poor, will enable them to establish small businesses or small their project development and pre-existing work on the development, which allows secure their incomes are Qar and fixed, and thus achieve food security, health, family and ensure the education of children ....

Micro-loans, on the other hand, contribute to the transfer of low-income beneficiaries, who are employed - usually - in the informal sector (hawkers, for example) to the private structured, and thus enable them to work legally and orderly manner, all as a result of micro-project development and growth.

- Empowerment of women : women are vulnerable group of the population, suffer most from poverty and social exclusion, economic, and health for women are major inequalities in utilization of various services (education, health ...) Micro Loans, originally, was addressed primarily to serve women .

Women in rural areas bear the burden of a large part of the tasks and works in agriculture and traditional industry and the White, but that work is unpaid, and studies show that microfinance can contribute to the emancipation of women from economic dependence and play a fundamental role in the autonomy of women, be microcredit to grant women the self-confidence and helps to strengthen their independence and their contribution within Jmathn When women benefit from a small loan and a member of the project, many aspects of the parallel turn, belong (food, education, health ...) and the project is not only alone.

By Rachid AJMAL (Read more inside ..)